Question about Well Baby Care and health insurance...?

Question

I'm looking at individual health insurance plans for myself. I'm not pregnant yet, just looking at insurance in case my husband and I do decide to have a baby. I'm wondering if anyone knows, on the health insurance plan for myself (it's a lifewise plan in Washington, if that matters) it says that Well Baby Care is just a 20% co-insurance pay (no deductible)... so does that mean if I had a baby I would pay 20% of the visit even if only I was insured? or does that imply I would by a separate insurance plan for my baby for him/her to be covered with the Well Baby Care?

Answer 1

No, your baby would not receive coverage for well baby care if you didn't enroll him/her on the policy.

You may be able to add the baby to the policy when the time comes - its important to note that your premium will increase, of course, by adding another person to the policy.

Answer 2

The baby would have to be covered by the plan, either with you or with a separate policy. If you have the policy the baby is not automatically added to your policy, you'll need to contact Lifewise to get the newborn added.

You should also look at other plans. Some plans will have better coverage for the baby. If you contact an agent that works with all the major plans in your area they'll be able to guide you on the best plan for your situation and budget. There is no extra charge using an agent.

Answer 3

Well usually the well baby's charges are entered under the mothers name since technically the baby hasn't yet been added to the policy. So your baby will be covered. But once the baby is born definitely call your insurance immediately and add your newborn to the policy.

This is how we handle the plans that I pay..not sure if it's the same across the board..call your insurance company.

Answer 4

Your individual insurance only covers you.The baby needs to be covered from the moment of birth as your (or the father's) dependent. Contact your  insurance company to get the details about when to convert your (or the fathers) policy to family coverage. Make this call before you are pregnant. Sorry I can't be more specific -state laws vary.

Don

http://mtnhealthinsurance.com

Answer 5

Try this one - http://healthplans.bebto.com - I personally have their health insurance. It is affordable and has good coverage.